Talking to your parents about estate planning isn’t easy. However, it’s one of the most important conversations you can have. In Pennsylvania, intestate succession laws dictate who inherits property without a will. Your family risks confusion, conflict and court delays without a clear plan.
The key is to start the conversation early. Here’s how you can go about it.
Estate planning is for everyone
Start by explaining that estate planning isn’t just for the wealthy. It’s about control, clarity and protecting loved ones. A basic estate plan in Pennsylvania includes:
- A will: Outlines how assets are distributed and who will care for any minor children.
- A durable power of attorney: Appoints someone to manage financial and legal matters when and if ever you are incapacitated.
- A health care directive: Specifies medical care preferences and designates someone to make health decisions on your behalf.
These documents ensure your parents’ wishes are followed if they become incapacitated or pass away.
Use real-life scenarios
Use real-life examples to help the conversation hit home. Ask, “What happens to the house if no one’s name is on the deed?” or “Who makes medical decisions if you can’t?”
Without a will, Pennsylvania courts will divide assets based on state law. This may not match your parents’ wishes. For example, if one spouse dies without a will and has children, the surviving spouse doesn’t automatically inherit everything. The children also get a share. This can complicate financial decisions.
Offer support, not pressure
Keep the tone supportive, not fearful. Remind your parents that a good estate plan avoids burdening the family with legal hurdles during an already emotional time. Offer to help gather documents or set up an appointment with an estate planning attorney familiar with Pennsylvania laws. This can ease the first step.
Keep plans updated
Also mention that updating an estate plan matters. Especially during big life changes like:
- Marriage or divorce
- Birth or adoption of a child or grandchild
- Death of a spouse, family member, or named beneficiary
- Significant change in financial situation (inheritance, major purchase, etc.)
- Moving to a different state
- Change in health status or diagnosis of serious illness
- Change in relationships with executors, trustees, or guardians
- New business ownership or sale of a business
- Change in tax laws or estate planning laws
- Desire to update beneficiaries or charitable giving plans
These things should trigger a review. Encourage them to revisit their plans every few years.
Peace of mind starts now
While this topic may feel uncomfortable, having the conversation now brings peace of mind later. In Pennsylvania, the lack of an estate plan means the state will have a say on how your parents’ assets would be divided, which may not be aligned with your parents’ intent. However, it’s far better to have your parents’ own wishes dictate the way their estate would be handled . Start the discussion today — you’ll be glad you did.
